4.99%p.a.
1 YEAR FIXED RATE
Additional rates and terms available.
5.45%p.a.
2 YEAR FIXED RATE
Additional rates and terms available.
5.34%p.a.
FLOATING RATE
Additional rates and terms available.
Buying your first home?
Want to get into your first home but don't know where to start? We've put together a guide, as well tools and tips, to help you on your journey to home ownership.
Switch to The Co-operative Bank
Looking to switch? Moving your home loan to The Co‑operative Bank may be easier than you think.
Managing your existing home loan
Looking to refix, top-up or maybe restructure your Co‑operative Bank Home Loan? Find out how and other helpful information here.
Our Home Loan types
Ready to apply?
You can complete your application online. It'll take about 10-20 minutes to apply. If you need to, you can save as you go and come back later.
Apply onlineTerms and Conditions
The Co-operative Bank’s lending and insurance criteria, fees, interest rates, terms and conditions apply and are subject to change.
Rates apply to loans approved for Owner Occupied lending with a minimum of 20% equity. Please see Interest Rates for full details including our Standard rates and Low Equity premiums which may apply. If a home loan is greater than 80% of the property's value, a low equity interest rate premium will apply.
Owner Occupied lending is:
- Where there is a minimum 20% equity in the property, and the individual seeking the loan intends to occupy the property; or
- A First Home Loan.
Please see our Fees page for details on our Loan fees.
For fixed home loans - If you repay your home loan before the fixed term is finished, you may be charged early repayment fees – see The Co-operative Bank Early Repayment Formula.
Our terms and conditions for our home loan products are available here.